diff --git a/src/pages/inbox/report/ReportActionCompose/AttachmentPickerWithMenuItems.tsx b/src/pages/inbox/report/ReportActionCompose/AttachmentPickerWithMenuItems.tsx
index 5e4d96e5c1c65..9042524681810 100644
--- a/src/pages/inbox/report/ReportActionCompose/AttachmentPickerWithMenuItems.tsx
+++ b/src/pages/inbox/report/ReportActionCompose/AttachmentPickerWithMenuItems.tsx
@@ -173,6 +173,7 @@ function AttachmentPickerWithMenuItems({
     const isASAPSubmitBetaEnabled = isBetaEnabled(CONST.BETAS.ASAP_SUBMIT);
     const [accountID] = useOnyx(ONYXKEYS.SESSION, {selector: accountIDSelector});
     const [hasDismissedEmptyReportsConfirmation] = useOnyx(ONYXKEYS.NVP_EMPTY_REPORTS_CONFIRMATION_DISMISSED);
+    const [userBillingGraceEndPeriods] = useOnyx(ONYXKEYS.COLLECTION.SHARED_NVP_PRIVATE_USER_BILLING_GRACE_PERIOD_END);
     const hasViolations = hasViolationsReportUtils(undefined, transactionViolations, accountID ?? CONST.DEFAULT_NUMBER_ID, '');
     const hasEmptyReport = useHasEmptyReportsForPolicy(report?.policyID);
     const shouldShowEmptyReportConfirmation = hasEmptyReport && hasDismissedEmptyReportsConfirmation !== true;
@@ -183,7 +184,7 @@ function AttachmentPickerWithMenuItems({
                 shouldRestrictAction &&
                 policy &&
                 policy.type !== CONST.POLICY.TYPE.PERSONAL &&
-                shouldRestrictUserBillableActions(policy.id, undefined, undefined, ownerBillingGraceEndPeriod)
+                shouldRestrictUserBillableActions(policy.id, userBillingGraceEndPeriods, undefined, ownerBillingGraceEndPeriod)
             ) {
                 Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(policy.id));
                 return;
@@ -191,7 +192,7 @@ function AttachmentPickerWithMenuItems({
 
             onSelected();
         },
-        [policy, ownerBillingGraceEndPeriod],
+        [policy, userBillingGraceEndPeriods, ownerBillingGraceEndPeriod],
     );
 
     const {openCreateReportConfirmation, CreateReportConfirmationModal} = useCreateEmptyReportConfirmation({
diff --git a/src/pages/inbox/report/ReportActionCompose/useAttachmentUploadValidation.ts b/src/pages/inbox/report/ReportActionCompose/useAttachmentUploadValidation.ts
index fc8fe3ad4a652..b46023e583157 100644
--- a/src/pages/inbox/report/ReportActionCompose/useAttachmentUploadValidation.ts
+++ b/src/pages/inbox/report/ReportActionCompose/useAttachmentUploadValidation.ts
@@ -57,6 +57,7 @@ function useAttachmentUploadValidation({
     const personalPolicy = usePersonalPolicy();
     const [allPolicies] = useOnyx(ONYXKEYS.COLLECTION.POLICY);
     const [draftTransactions] = useOnyx(ONYXKEYS.COLLECTION.TRANSACTION_DRAFT);
+    const [userBillingGraceEndPeriods] = useOnyx(ONYXKEYS.COLLECTION.SHARED_NVP_PRIVATE_USER_BILLING_GRACE_PERIOD_END);
     const hasOnlyPersonalPolicies = useMemo(() => hasOnlyPersonalPoliciesUtil(allPolicies), [allPolicies]);
 
     const reportAttachmentsContext = useContext(AttachmentModalContext);
@@ -182,7 +183,7 @@ function useAttachmentUploadValidation({
 
     const onReceiptDropped = useCallback(
         (e: DragEvent) => {
-            if (policy && shouldRestrictUserBillableActions(policy.id, undefined, undefined, ownerBillingGraceEndPeriod)) {
+            if (policy && shouldRestrictUserBillableActions(policy.id, userBillingGraceEndPeriods, undefined, ownerBillingGraceEndPeriod)) {
                 Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(policy.id));
                 return;
             }
@@ -203,7 +204,7 @@ function useAttachmentUploadValidation({
             attachmentUploadType.current = 'receipt';
             validateFiles(files, items, {isValidatingReceipts: true});
         },
-        [policy, ownerBillingGraceEndPeriod, shouldAddOrReplaceReceipt, transactionID, validateFiles],
+        [policy, userBillingGraceEndPeriods, ownerBillingGraceEndPeriod, shouldAddOrReplaceReceipt, transactionID, validateFiles],
     );
 
     return {
diff --git a/src/pages/inbox/sidebar/FloatingActionButtonAndPopover.tsx b/src/pages/inbox/sidebar/FloatingActionButtonAndPopover.tsx
index f9106e46c45d2..b2769513802be 100644
--- a/src/pages/inbox/sidebar/FloatingActionButtonAndPopover.tsx
+++ b/src/pages/inbox/sidebar/FloatingActionButtonAndPopover.tsx
@@ -195,6 +195,7 @@ function FloatingActionButtonAndPopover({onHideCreateMenu, onShowCreateMenu, ref
         selector: hasSeenTourSelector,
     });
     const [tryNewDot] = useOnyx(ONYXKEYS.NVP_TRY_NEW_DOT, {selector: tryNewDotOnyxSelector});
+    const [userBillingGraceEndPeriods] = useOnyx(ONYXKEYS.COLLECTION.SHARED_NVP_PRIVATE_USER_BILLING_GRACE_PERIOD_END);
     const [ownerBillingGraceEndPeriod] = useOnyx(ONYXKEYS.NVP_PRIVATE_OWNER_BILLING_GRACE_PERIOD_END);
 
     const isUserPaidPolicyMember = useIsPaidPolicyAdmin();
@@ -321,13 +322,17 @@ function FloatingActionButtonAndPopover({onHideCreateMenu, onShowCreateMenu, ref
 
     const selectOption = useCallback(
         (onSelected: () => void, shouldRestrictAction: boolean) => {
-            if (shouldRestrictAction && quickActionReport?.policyID && shouldRestrictUserBillableActions(quickActionReport.policyID, undefined, undefined, ownerBillingGraceEndPeriod)) {
+            if (
+                shouldRestrictAction &&
+                quickActionReport?.policyID &&
+                shouldRestrictUserBillableActions(quickActionReport.policyID, userBillingGraceEndPeriods, undefined, ownerBillingGraceEndPeriod)
+            ) {
                 Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(quickActionReport.policyID));
                 return;
             }
             onSelected();
         },
-        [quickActionReport?.policyID, ownerBillingGraceEndPeriod],
+        [quickActionReport?.policyID, userBillingGraceEndPeriods, ownerBillingGraceEndPeriod],
     );
 
     const showRedirectToExpensifyClassicModal = useCallback(async () => {
@@ -361,7 +366,10 @@ function FloatingActionButtonAndPopover({onHideCreateMenu, onShowCreateMenu, ref
 
     const startQuickScan = useCallback(() => {
         interceptAnonymousUser(() => {
-            if (policyChatForActivePolicy?.policyID && shouldRestrictUserBillableActions(policyChatForActivePolicy.policyID, undefined, undefined, ownerBillingGraceEndPeriod)) {
+            if (
+                policyChatForActivePolicy?.policyID &&
+                shouldRestrictUserBillableActions(policyChatForActivePolicy.policyID, userBillingGraceEndPeriods, undefined, ownerBillingGraceEndPeriod)
+            ) {
                 Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(policyChatForActivePolicy.policyID));
                 return;
             }
@@ -370,7 +378,7 @@ function FloatingActionButtonAndPopover({onHideCreateMenu, onShowCreateMenu, ref
             Tab.setSelectedTab(CONST.TAB.IOU_REQUEST_TYPE, CONST.IOU.REQUEST_TYPE.SCAN);
             startMoneyRequest(CONST.IOU.TYPE.CREATE, quickActionReportID, draftTransactionIDs, CONST.IOU.REQUEST_TYPE.SCAN, !!policyChatForActivePolicy?.reportID, undefined, true);
         });
-    }, [policyChatForActivePolicy?.policyID, policyChatForActivePolicy?.reportID, reportID, draftTransactionIDs, ownerBillingGraceEndPeriod]);
+    }, [policyChatForActivePolicy?.policyID, policyChatForActivePolicy?.reportID, reportID, draftTransactionIDs, userBillingGraceEndPeriods, ownerBillingGraceEndPeriod]);
 
     /**
      * Check if LHN status changed from active to inactive.
@@ -516,7 +524,10 @@ function FloatingActionButtonAndPopover({onHideCreateMenu, onShowCreateMenu, ref
         if (!isEmptyObject(policyChatForActivePolicy)) {
             const onSelected = () => {
                 interceptAnonymousUser(() => {
-                    if (policyChatForActivePolicy?.policyID && shouldRestrictUserBillableActions(policyChatForActivePolicy.policyID, undefined, undefined, ownerBillingGraceEndPeriod)) {
+                    if (
+                        policyChatForActivePolicy?.policyID &&
+                        shouldRestrictUserBillableActions(policyChatForActivePolicy.policyID, userBillingGraceEndPeriods, undefined, ownerBillingGraceEndPeriod)
+                    ) {
                         Navigation.navigate(ROUTES.RESTRICTED_ACTION.getRoute(policyChatForActivePolicy.policyID));
                         return;
                     }
@@ -567,6 +578,7 @@ function FloatingActionButtonAndPopover({onHideCreateMenu, onShowCreateMenu, ref
         reportID,
         draftTransactionIDs,
         allBetas,
+        userBillingGraceEndPeriods,
         ownerBillingGraceEndPeriod,
     ]);
 
@@ -623,7 +635,7 @@ function FloatingActionButtonAndPopover({onHideCreateMenu, onShowCreateMenu, ref
 
                               if (
                                   !workspaceIDForReportCreation ||
-                                  (shouldRestrictUserBillableActions(workspaceIDForReportCreation, undefined, undefined, ownerBillingGraceEndPeriod) &&
+                                  (shouldRestrictUserBillableActions(workspaceIDForReportCreation, userBillingGraceEndPeriods, undefined, ownerBillingGraceEndPeriod) &&
                                       groupPoliciesWithChatEnabled.length > 1)
                               ) {
                                   // If we couldn't guess the workspace to create the report, or a guessed workspace is past it's grace period and we have other workspaces to choose from
@@ -631,7 +643,7 @@ function FloatingActionButtonAndPopover({onHideCreateMenu, onShowCreateMenu, ref
                                   return;
                               }
 
-                              if (!shouldRestrictUserBillableActions(workspaceIDForReportCreation, undefined, undefined, ownerBillingGraceEndPeriod)) {
+                              if (!shouldRestrictUserBillableActions(workspaceIDForReportCreation, userBillingGraceEndPeriods, undefined, ownerBillingGraceEndPeriod)) {
                                   // Check if empty report confirmation should be shown
                                   if (shouldShowEmptyReportConfirmationForDefaultChatEnabledPolicy) {
                                       openFabCreateReportConfirmation();